St Cloud, MN · Charter 24584
NCUA · 3 branches
Q3 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2018, the quarter ended September 30, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
St Cloud, MN · Charter 24584
NCUA · 3 branches
Q3 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.44% | 0.74% | 0.63% | 0.75% | +28 bps | |
| Return on Equity | 5.19% | 4.99% | 8.63% | 7.45% | 8.31% | +312 bps | |
| Net Interest Margin | 2.68% | 2.63% | 2.61% | 2.62% | 2.78% | +10 bps | |
| Efficiency Ratio | 87.16% | 87.25% | 81.60% | 82.82% | 81.08% | -608 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.62% | 7.93% | 8.72% | 11.37% | 7.52% | -110 bps | |
| Loan Growth (YoY) | -0.31% | 0.48% | 4.64% | 9.83% | 11.26% | +1,156 bps | |
| Share Growth (YoY) | 8.73% | 7.70% | 8.12% | 8.13% | 7.12% | -161 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.95% | 1.11% | 0.78% | 0.49% | 0.69% | -25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.54% | 0.52% | 0.52% | 0.51% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.96% | 8.83% | 8.61% | 8.52% | 8.99% | +3 bps | |
| Net Worth / Assets | 8.96% | 8.83% | 8.61% | 8.52% | 8.99% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.79% | 79.02% | 76.88% | 80.87% | 83.92% | +312 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |